The Coverage Gap The way Medicare Part D was designed there was a planned coverage gap, which has become known as "the donut hole". This gap has caused a great deal of confusion and higher than expected out of pocket costs for medications. When do you reach the gap? The gap begins when a person reaches a predetermined amount during the year based on average retail cost of drugs. In 2011, that amount is set at $2840. Since Medicare drug plans negotiate for a lower price the average retail cost is not what you actually paid out of pocket. Every drug [...]

An ounce of prevention is worth a pound of cure? This saying, made famous by Benjamin Franklin, is as true today as it was in the 1700's. Preventative care and early treatment can impact the outcome of most diseases. Mammograms and prostate screening are effective tools against cancer Sunscreens and limiting outdoor exposure to direct sunlight are effective methods to lower the risk for skin cancers The proper use of medication can also prevent conditions from forming or stop existing conditions from worsening. A potential growing gap is forming between what the doctor orders and what the patient may or may [...]